Mechanics Bancorp (MCHB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Mechanics Bancorp had a P/E ratio of 12.73 (down from 58.69), return on equity of 10.3% (up from 1.3%), debt-to-equity of 0.10 (up from 0.03) and return on assets of 1.4% (up from 0.2%). Its dividend yield was 1.44% with a payout ratio of 18.3%.

Mechanics Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.73	58.69	7.63	7.12	8.73	14.60
Forward P/E	12.61	-	-	-	-	-
P/S Ratio	5.26	4.46	2.42	2.31	2.68	2.56
P/B Ratio	1.18	0.74	0.69	0.72	0.75	0.55
Price/Tangible Book	1.87	1.20	1.15	1.26	1.24	0.91
Price/FCF	18.08	5.95	5.95	4.99	6.24	6.67
Price/OCF	17.48	5.82	5.79	4.84	6.09	6.42
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	10.29%	1.28%	9.25%	9.59%	8.49%	3.92%
Return on Assets (ROA)	1.37%	0.17%	1.13%	1.15%	1.07%	0.51%
Leverage & Solvency Ratios
Debt/Equity	0.10	0.03	0.38	0.17	0.04	0.06
Debt/FCF	1.54	0.23	3.27	1.15	0.32	0.74
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.86%	1.70%	13.10%	14.05%	11.46%	6.85%
FCF Yield	5.53%	16.80%	16.81%	20.03%	16.02%	14.99%
Dividend Yield	1.44%	5.61%	6.87%	15.25%	2.89%	-
Payout Ratio	18.27%	327.57%	52.42%	108.52%	105.33%	-
Buyback Yield	-8.27%	4.78%	-0.02%	-0.08%	-	-59.84%
Total Return	-6.83%	10.38%	6.85%	15.17%	2.89%	-59.84%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Mechanics Bancorp Financial Ratios

What is Mechanics Bancorp's P/E ratio?

Mechanics Bancorp's P/E ratio was 12.73 for fiscal 2025 (period ended Dec 31, 2025). It was 58.69 a year earlier.

What is Mechanics Bancorp's return on equity?

Mechanics Bancorp's return on equity (ROE) was 10.3% for fiscal 2025 (period ended Dec 31, 2025). It was 1.3% a year earlier.

What is Mechanics Bancorp's debt-to-equity ratio?

Mechanics Bancorp's debt-to-equity ratio was 0.10 for fiscal 2025 (period ended Dec 31, 2025). It was 0.03 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition